IN lenders / Community Bank
First Farmers Bank & Trust Co.
Community Bank · Converse, IN · First Farmers Financial Corp
- Total assets
- $3.6B
- CRE loan book
- $1.1B
- QoQ CRE growth
- 0.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.33% as of Q1 2026 — TX bank median 4.87% (1.47pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.33% | 6.64% |
| Q4 2025 | 6.56% | 6.77% |
| Q3 2025 | 6.82% | 6.97% |
| Q2 2025 | 6.67% | 6.83% |
| Q1 2025 | 6.54% | 6.69% |
| Q4 2024 | 6.72% | 6.90% |
| Q3 2024 | 6.44% | 7.16% |
| Q2 2024 | 6.54% | 6.95% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $1.1B | $223.6M | $206.7M | 232% | $1,000 |
| Q4 2025 | $1.1B | $220.0M | $214.2M | 242% | $0 |
| Q3 2025 | $1.0B | $212.0M | $199.4M | 242% | $1.0M |
| Q2 2025 | $991.6M | $177.4M | $201.1M | 245% | $2.6M |
| Q1 2025 | $950.8M | $236.4M | $142.0M | 242% | $2.0M |
| Q4 2024 | $897.6M | $220.2M | $124.4M | 230% | $2.1M |
| Q3 2024 | $880.3M | $202.3M | $119.7M | 230% | $417,000 |
| Q2 2024 | $847.4M | $188.0M | $105.2M | 222% | $821,000 |
Signals
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Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.